Hey, straw - I'm sitting here watching the credit crisis L'ville/TN game about six months into it at halftime. From what the commentators are saying, I can tell that the reason it's going the way it is is due in large part to poor underwriting standards shot selection by TN. I can watch from my recliner, listen to someone else's opinion, and then repeat it - that must mean that I'm qualified to regulate the financial markets and stop the next bubble coach the second half, right?